Save With Your Credit Union

Whether you’re saving for something in the future or just for a ‘rainy day’, regular saving is a good idea. Regular saving with your credit union is an even better idea.

Benefits of Saving With Us

At your credit union, you’re not just a customer, you’re a member of a successful financial co-operative

Your savings at the credit union "incur no charge"

Your savings are used to "grant low rate loans to members"

Your savings are protected by the "Government Guarantee Scheme by up to €100,000"

Your savings can earn you "dividends"

Your savings also contribute to the "development of the local community"

Share Accounts

Special (and Regular) Share Accounts

Deposit Interest Retention Tax or (D.I.R.T. ) is deducted at source on any dividends paid. There are exceptions based on a Member's Tax Status. Members who are over age 65 should complete a DE1 while those on disability should complete a DE2 Form.

Dormant Accounts

  • Accounts are made dormant after 3 years (36 months) or more of non-activity. This is updated on a monthly basis.
  • Members are posted a “30 Day Notice” letter in line with Rule 22 of the Standard Rules.
  • Members are encouraged to make a lodgement to their account or update their ID & Proof of Address before the deadline date noted on the "30 Day Notice Letter".
  • If an account has been marked "Dormant" then re-activation is carried out once a member presents themselves in the office with current “valid in date” Photo ID and “valid in date” proof of address.

Savings FAQs

Have a question? See if it's answered below in our FAQs.

Are my savings safe?

Yes. Ballyfermot Inchicore Credit Union is a financially strong and stable credit union and member’s savings continue to be guaranteed by the Government Deposit Guarantee Scheme.

Who can join Ballyfermot Inchicore Credit Union?

Anyone living or working in our Common Bond is eligible to join Ballyfermot Inchicore Credit Union. View our Common Bond map here

How much can I save?

The maximum amount that a member may hold in Ballyfermot Inchicore Credit Union is €100,000.

Are there any membership fees?

There is a once-off joining Entrance Fee of €1.27 cents. There are no other fees on our share accounts, but every member of Ballyfermot Inchicore Credit Union must always keep a minimum of €5.08 in their share account to maintain a voting right at our AGM.

How can I access my account?

You can access your account in either of our branches located in Ballyfermot or Inchicore. We also offer 24/7 access to your account online at or via our mobile app.